The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$41,728
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,026
−HK$1,318/mo
Today · 4.125%
HK$44,344
baseline
▲ 0.50% · 4.625%
HK$47,042
+HK$2,698/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,688/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,421
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,666
−HK$1,263/mo
Today · 4.125%
HK$48,929
baseline
▲ 0.50% · 4.625%
HK$51,509
+HK$2,580/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,858/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,073
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,631
−HK$1,582/mo
Today · 4.125%
HK$53,213
baseline
▲ 0.50% · 4.625%
HK$56,451
+HK$3,238/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,426/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,706
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,200
−HK$1,515/mo
Today · 4.125%
HK$58,715
baseline
▲ 0.50% · 4.625%
HK$61,810
+HK$3,095/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,430/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,419
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,236
−HK$1,846/mo
Today · 4.125%
HK$62,082
baseline
▲ 0.50% · 4.625%
HK$65,859
+HK$3,777/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$124,164/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,990
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,733
−HK$1,768/mo
Today · 4.125%
HK$68,501
baseline
▲ 0.50% · 4.625%
HK$72,112
+HK$3,611/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$137,002/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,110
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,446
−HK$2,374/mo
Today · 4.125%
HK$79,820
baseline
▲ 0.50% · 4.625%
HK$84,676
+HK$4,856/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$159,640/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,559
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,800
−HK$2,273/mo
Today · 4.125%
HK$88,073
baseline
▲ 0.50% · 4.625%
HK$92,716
+HK$4,643/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$176,146/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,231 · Scale 2, in force from 26 Feb 2026)